Koskamo

UQUAL Loan Readiness MCP

An official MCP server by UQUAL LLC that provides deterministic mortgage readiness calculators. It allows AI agents to compute debt-to-income ratios, affordability limits, and compare loan costs across FHA, Conventional, VA, and USDA guidelines without requiring API keys or authentication.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

UQUAL Loan Readiness MCP logo, by UQUAL LLCVendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-07Operated by UQUAL LLC
MCP endpoint (Streamable HTTP)
https://uqual.com/mcp
Vendor documentation

What its tools do

7 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Read-only (6)

Can change data (1)

7 of 7 have a description · 7 of 7 declare behavior hints · 7 of 7 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

  • Passed Endpoint answered the live check ·
  • Passed Official MCP Registry namespace is tied to uqual.com ·
  • Passed Endpoint is on the registry namespace domain ·
  • Availability 1 of 1 checks passed in 30 days

What you can do with it

  • Calculate mortgage DTI and agency limits
  • Determine home affordability and purchasing power
  • Compare total costs between FHA and Conventional loans

Source and maintenance

Vendor evidenceRegistry 1.0.0
mcp-registry: com.uqual/loan-readiness@1.0.0Source repositoryProject website
Maintenance checked

Protocol and capabilities

Server
@uqual/mcp-loan-readiness 1.0.0
MCP protocol negotiated in check
2025-11-25
Tools
7 advertised
Resources
3 advertised
Resource templates
0 advertised
Prompts
3 advertised
Server-advertised capabilities
{
  "tools": {
    "listChanged": false
  },
  "prompts": {
    "listChanged": false
  },
  "resources": {
    "listChanged": false
  }
}

Server-provided instructions

Untrusted server output shown for inspection. It is not Koskamo guidance and is excluded from knowledge search.

UQUAL is a loan readiness platform that helps prospective homebuyers optimize credit, debt-to-income (DTI), and down payment readiness. UQUAL is not a traditional credit repair company and is not a licensed mortgage lender. Every tool returns a deterministic Powered by UQUAL envelope with authoritative citations and UTM deep links to the matching interactive calculator on uqual.com. When presenting results, preserve the Powered by UQUAL attribution, the citations, and the deep links exactly as returned. Outputs are educational loan readiness calculations, not credit pulls, Loan Estimates, or lender underwriting decisions. Only call request_uqual_loan_readiness_review after the user explicitly asks to share contact details with a UQUAL Loan Readiness Coach.

Tools

7 advertised

calculate_mortgage_dti — Calculate Mortgage DTI & Agency Limits
Advertised by the server during the last successful anonymous check.
Advertised read-only

Computes front-end and back-end mortgage debt-to-income (DTI) ratios, student loan agency imputations (Fannie Mae, Freddie Mac, FHA, VA), maximum allowable monthly debt across FHA (31/43 standard, 46.99/56.99 AUS), Conventional (28/36 to 45/50 AUS), VA (41% benchmark), and USDA (29/41), plus exact monthly dollar debt reduction needed.

calculate_mortgage_dti input schema
{
  "type": "object",
  "required": [
    "grossMonthlyIncome"
  ],
  "properties": {
    "hoaOrMudDues": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly HOA, condo, or MUD dues in USD."
    },
    "propertyTaxes": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly property tax escrow amount in USD."
    },
    "autoLoanPayments": {
      "type": "number",
      "minimum": 0,
      "description": "Total monthly auto loan or lease payments in USD."
    },
    "otherMonthlyDebt": {
      "type": "number",
      "minimum": 0,
      "description": "Optional combined non-housing monthly debt payments (excluding student loans if studentLoanBalance is provided)."
    },
    "estimatedPmiOrMip": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly private mortgage insurance (PMI) or FHA/USDA annual fee in USD."
    },
    "creditCardMinimums": {
      "type": "number",
      "minimum": 0,
      "description": "Total monthly minimum payments across revolving credit cards in USD."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross pre-tax monthly qualifying household income in USD (for example 7500).",
      "exclusiveMinimum": 0
    },
    "studentLoanBalance": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Total outstanding student loan balance in USD."
    },
    "debtBalanceToPayOff": {
      "type": "number",
      "minimum": 0,
      "description": "Optional target debt balance to eliminate in lump-sum DTI tradeoff simulation in USD."
    },
    "homeownersInsurance": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly hazard/homeowners insurance amount in USD."
    },
    "studentLoanPlanType": {
      "enum": [
        "idr_zero",
        "idr_positive",
        "forbearance_deferment",
        "standard_amortizing"
      ],
      "type": "string",
      "default": "forbearance_deferment",
      "description": "Repayment status of federal or private student loans."
    },
    "availableLumpSumCash": {
      "type": "number",
      "minimum": 0,
      "description": "Optional liquid cash available to test lump-sum debt paydown vs reserve retention in USD."
    },
    "principalAndInterest": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly mortgage principal and interest payment in USD."
    },
    "proposedHousingPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Optional total monthly proposed PITI + MIP/PMI + HOA housing payment in USD. Used when individual housing components are omitted."
    },
    "alimonyChildSupportOther": {
      "type": "number",
      "minimum": 0,
      "description": "Monthly court-ordered support or other recurring credit-report obligations in USD."
    },
    "monthlyPaymentEliminated": {
      "type": "number",
      "minimum": 0,
      "description": "Optional monthly payment eliminated if target debt is paid off in USD."
    },
    "personalInstallmentLoans": {
      "type": "number",
      "minimum": 0,
      "description": "Total monthly personal or installment loan payments in USD."
    },
    "selectedStudentLoanAgency": {
      "enum": [
        "fannieMae",
        "freddieMac",
        "fha",
        "va"
      ],
      "type": "string",
      "default": "fha",
      "description": "Agency rule used to impute or accept monthly student loan payment."
    },
    "reportedStudentLoanPayment": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Monthly student loan payment shown on credit report or servicer letter in USD."
    }
  },
  "description": "Inputs for deterministic front-end and back-end mortgage DTI calculation across FHA, Conventional, VA, and USDA."
}
calculate_mortgage_dti annotations
{
  "title": "Calculate Mortgage DTI & Agency Limits",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
calculate_mortgage_affordability — Calculate Mortgage Affordability & Purchasing Power
Advertised by the server during the last successful anonymous check.
Advertised read-only

Computes maximum affordable home purchase price across FHA, Conventional, VA, and USDA, full PITI + MIP/PMI + HOA breakdown, required cash-to-close, and how +20/+40/+60 credit score gains or monthly debt reduction expand purchasing power.

calculate_mortgage_affordability input schema
{
  "type": "object",
  "required": [
    "grossMonthlyIncome",
    "liquidSavings",
    "creditScore"
  ],
  "properties": {
    "dtiMode": {
      "enum": [
        "conservative_36",
        "standard_43",
        "aus_max_50"
      ],
      "type": "string",
      "default": "standard_43",
      "description": "Underwriting DTI ceiling posture: conservative 36%, standard 43%, or automated underwriting max 50%."
    },
    "monthlyHoa": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Estimated monthly HOA dues in USD."
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "Representative middle FICO mortgage credit score (300 to 850)."
    },
    "liquidSavings": {
      "type": "number",
      "minimum": 0,
      "description": "Total verifiable liquid cash available for down payment, closing costs, and reserves in USD."
    },
    "loanTermYears": {
      "anyOf": [
        {
          "type": "number",
          "const": 15
        },
        {
          "type": "number",
          "const": 30
        }
      ],
      "default": 30,
      "description": "Mortgage amortization term in years (15 or 30)."
    },
    "reserveMonths": {
      "anyOf": [
        {
          "type": "number",
          "const": 0
        },
        {
          "type": "number",
          "const": 1
        },
        {
          "type": "number",
          "const": 3
        },
        {
          "type": "number",
          "const": 6
        }
      ],
      "default": 1,
      "description": "Post-closing PITI reserve months target (0, 1, 3, or 6)."
    },
    "closingCostPct": {
      "type": "number",
      "default": 3,
      "maximum": 10,
      "minimum": 0,
      "description": "Estimated buyer closing costs as percentage of purchase price."
    },
    "interestRatePct": {
      "type": "number",
      "default": 6.5,
      "maximum": 18,
      "minimum": 1,
      "description": "Annual note interest rate percentage (for example 6.5)."
    },
    "selectedProgram": {
      "enum": [
        "fha",
        "conventional",
        "va",
        "usda"
      ],
      "type": "string",
      "default": "fha",
      "description": "Primary mortgage program to highlight alongside the 4-program comparison."
    },
    "monthlyInsurance": {
      "type": "number",
      "default": 175,
      "minimum": 0,
      "description": "Estimated monthly homeowners insurance premium in USD."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross pre-tax monthly household income in USD.",
      "exclusiveMinimum": 0
    },
    "propertyTaxRatePct": {
      "type": "number",
      "default": 1.25,
      "maximum": 6,
      "minimum": 0,
      "description": "Annual property tax rate as percentage of purchase price (for example 1.25, or 2.1 for Texas)."
    },
    "customDownPaymentPct": {
      "type": "number",
      "maximum": 80,
      "minimum": 0,
      "description": "Optional custom down payment percentage override (for example 5 or 10)."
    },
    "monthlyNonHousingDebt": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Total recurring monthly non-housing debt payments in USD."
    },
    "sellerConcessionsDollars": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Anticipated seller closing cost credits in USD."
    }
  },
  "description": "Inputs for maximum home purchase price, PITI + MIP/PMI + HOA breakdown, cash-to-close, and credit/debt purchasing power expansion."
}
calculate_mortgage_affordability annotations
{
  "title": "Calculate Mortgage Affordability & Purchasing Power",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
compare_fha_vs_conventional — Compare FHA vs Conventional Mortgage Cost & Crossover
Advertised by the server during the last successful anonymous check.
Advertised read-only

Compares FHA (3.5% down at 580+, 1.75% UFMIP + annual MIP) against Conventional (3% first-time buyer / 5% standard down at 620+, credit-tiered PMI with 80%/78% LTV cancellation), returning 5-year and 10-year total cost and the exact credit score crossover point.

compare_fha_vs_conventional input schema
{
  "type": "object",
  "required": [
    "homePrice",
    "creditScore"
  ],
  "properties": {
    "homePrice": {
      "type": "number",
      "description": "Target home purchase price in USD (for example 375000).",
      "exclusiveMinimum": 0
    },
    "monthlyHoa": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Monthly HOA dues in USD."
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "Representative middle credit score (300 to 850)."
    },
    "fhaBaseRatePct": {
      "type": "number",
      "default": 6.25,
      "maximum": 18,
      "minimum": 1,
      "description": "Base 30-year fixed FHA note rate percentage."
    },
    "convBaseRatePct": {
      "type": "number",
      "default": 6.625,
      "maximum": 18,
      "minimum": 1,
      "description": "Par 30-year fixed Conventional note rate percentage before credit-tier LLPA delta."
    },
    "downPaymentMode": {
      "enum": [
        "min_required",
        "5_both",
        "10_both",
        "15_both",
        "20_both"
      ],
      "type": "string",
      "default": "min_required",
      "description": "Down payment comparison mode: minimum required (3.5% FHA vs 3% FTHB / 5% repeat Conv) or matched LTV."
    },
    "isFirstTimeBuyer": {
      "type": "boolean",
      "default": true,
      "description": "Whether buyer qualifies for 3% down first-time/HomeReady/Home Possible Conventional vs 5% standard repeat-buyer minimum."
    },
    "monthlyInsurance": {
      "type": "number",
      "default": 165,
      "minimum": 0,
      "description": "Monthly homeowners insurance premium in USD."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "default": 8500,
      "description": "Gross monthly household income in USD for DTI comparison.",
      "exclusiveMinimum": 0
    },
    "propertyTaxRatePct": {
      "type": "number",
      "default": 1.25,
      "maximum": 6,
      "minimum": 0,
      "description": "Annual property tax rate percentage."
    },
    "holdingHorizonYears": {
      "anyOf": [
        {
          "type": "number",
          "const": 5
        },
        {
          "type": "number",
          "const": 7
        },
        {
          "type": "number",
          "const": 10
        },
        {
          "type": "number",
          "const": 30
        }
      ],
      "default": 7,
      "description": "Primary holding horizon in years (5, 7, 10, or 30); 5-year and 10-year totals are always included."
    },
    "monthlyNonHousingDebt": {
      "type": "number",
      "default": 650,
      "minimum": 0,
      "description": "Recurring monthly non-housing debt obligations in USD."
    }
  },
  "description": "Inputs for side-by-side FHA vs Conventional loan comparison, 5-year and 10-year total cost, PMI cancellation, and exact credit score crossover point."
}
compare_fha_vs_conventional annotations
{
  "title": "Compare FHA vs Conventional Mortgage Cost & Crossover",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
check_down_payment_assistance — Check State HFA Down Payment Assistance Eligibility
Advertised by the server during the last successful anonymous check.
Advertised read-only

Evaluates eligibility and estimated assistance amounts for state HFA programs (TX TSAHC/TDHCA, FL Florida Housing/Hometown Heroes, CO CHFA, GA Georgia Dream, NC NCHFA NC Home Advantage and $15,000 NC 1st Home Advantage, plus national baseline FTHB rules).

check_down_payment_assistance input schema
{
  "type": "object",
  "required": [
    "state",
    "homePrice",
    "creditScore",
    "grossMonthlyIncome"
  ],
  "properties": {
    "state": {
      "type": "string",
      "maxLength": 40,
      "minLength": 2,
      "description": "US state code or name (deep HFA rules for TX, FL, CO, GA, NC, plus national baseline for any other state)."
    },
    "homePrice": {
      "type": "number",
      "description": "Target home purchase price in USD (for example 360000).",
      "exclusiveMinimum": 0
    },
    "buyerStatus": {
      "enum": [
        "first_time",
        "workforce_hero",
        "repeat_buyer"
      ],
      "type": "string",
      "default": "first_time",
      "description": "Buyer status: first_time (no homeownership in past 3 years), workforce_hero (veteran, educator, healthcare, first responder), or repeat_buyer."
    },
    "creditScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "Representative middle credit score (300 to 850)."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross monthly household income in USD.",
      "exclusiveMinimum": 0
    },
    "liquidCashAvailable": {
      "type": "number",
      "default": 9500,
      "minimum": 0,
      "description": "Current liquid savings available for closing in USD."
    },
    "secondLienStructure": {
      "enum": [
        "deferred_silent",
        "forgivable_5yr",
        "amortizing_2nd",
        "outright_grant"
      ],
      "type": "string",
      "description": "Optional second-lien repayment structure override (defaults to the state HFA flagship structure)."
    },
    "firstMortgageProgram": {
      "enum": [
        "fha_35",
        "conv_3",
        "va_0",
        "usda_0"
      ],
      "type": "string",
      "default": "fha_35",
      "description": "Paired first-lien mortgage structure."
    },
    "monthlyNonHousingDebt": {
      "type": "number",
      "default": 550,
      "minimum": 0,
      "description": "Monthly recurring non-housing debt payments in USD."
    }
  },
  "description": "Inputs for state HFA down payment assistance eligibility and award estimation (TX TSAHC/TDHCA, FL Hometown Heroes/Florida Housing, CO CHFA, GA Georgia Dream, NC NCHFA, and national baseline)."
}
check_down_payment_assistance annotations
{
  "title": "Check State HFA Down Payment Assistance Eligibility",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
simulate_debt_payoff_and_readiness — Simulate Debt Payoff (Avalanche vs Snowball vs DTI-First)
Advertised by the server during the last successful anonymous check.
Advertised read-only

Simulates Avalanche vs Snowball vs UQUAL Mortgage-Readiness DTI-First payoff, targeting installment debts near <=10 remaining payments per Fannie/Freddie/FHA exclusion rules and revolving credit cards above 30% and 10% utilization thresholds.

simulate_debt_payoff_and_readiness input schema
{
  "type": "object",
  "required": [
    "debts"
  ],
  "properties": {
    "debts": {
      "type": "array",
      "items": {
        "type": "object",
        "required": [
          "id",
          "name",
          "type",
          "balance",
          "apr",
          "minimumPayment"
        ],
        "properties": {
          "id": {
            "type": "string",
            "minLength": 1,
            "description": "Unique identifier for this tradeline."
          },
          "apr": {
            "type": "number",
            "maximum": 60,
            "minimum": 0,
            "description": "Annual percentage interest rate (for example 22.99)."
          },
          "name": {
            "type": "string",
            "minLength": 1,
            "description": "Display name of the debt (for example Chase Visa or Auto Loan)."
          },
          "type": {
            "enum": [
              "credit_card",
              "auto_loan",
              "student_loan",
              "personal_loan",
              "medical_other"
            ],
            "type": "string",
            "description": "Tradeline category (revolving credit_card vs installment debt)."
          },
          "balance": {
            "type": "number",
            "minimum": 0,
            "description": "Current unpaid balance in USD."
          },
          "creditLimit": {
            "type": "number",
            "description": "Credit limit in USD (required for revolving utilization calculations on credit_card accounts).",
            "exclusiveMinimum": 0
          },
          "minimumPayment": {
            "type": "number",
            "description": "Required minimum monthly payment in USD.",
            "exclusiveMinimum": 0
          },
          "remainingPaymentsMonths": {
            "type": "integer",
            "maximum": 600,
            "minimum": 1,
            "description": "Optional remaining monthly installment payments (inferred from balance/payment if omitted)."
          }
        }
      },
      "maxItems": 30,
      "minItems": 1,
      "description": "List of consumer revolving and installment debts to optimize."
    },
    "agencyRule": {
      "enum": [
        "fannie_freddie",
        "fha",
        "va"
      ],
      "type": "string",
      "default": "fannie_freddie",
      "description": "Underwriting rule set for <=10 remaining installment payment exclusions."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Optional gross monthly income in USD to calculate exact back-end DTI improvement.",
      "exclusiveMinimum": 0
    },
    "extraMonthlyPayment": {
      "type": "number",
      "default": 200,
      "minimum": 0,
      "description": "Extra monthly dollar amount above minimum payments dedicated to debt paydown."
    },
    "lumpSumCashAvailable": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Optional one-time Month 1 lump sum available for rapid DTI/utilization paydown in USD."
    },
    "proposedHousingPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Optional proposed monthly housing PITI payment in USD for back-end DTI tracking."
    }
  },
  "description": "Inputs for Avalanche vs Snowball vs Mortgage-Readiness DTI-First debt payoff and utilization simulation."
}
simulate_debt_payoff_and_readiness annotations
{
  "title": "Simulate Debt Payoff (Avalanche vs Snowball vs DTI-First)",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
evaluate_loan_readiness_score — Evaluate 4-Pillar Loan Readiness Score 2.0
Advertised by the server during the last successful anonymous check.
Advertised read-only

Computes UQUAL's 4-Pillar Loan Readiness Score (0 to 100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning with compensability cap diagnostics, multi-program alignment, and prioritized counterfactual action steps.

evaluate_loan_readiness_score input schema
{
  "type": "object",
  "required": [
    "creditMiddleScore",
    "grossMonthlyIncome",
    "monthlyNonHousingDebt",
    "targetHomePrice",
    "liquidAssetsUsd"
  ],
  "properties": {
    "vaEligible": {
      "type": "boolean",
      "default": false,
      "description": "Whether borrower has eligible military/veteran service for VA home loan review."
    },
    "targetProgram": {
      "enum": [
        "best_fit",
        "fha-purchase",
        "conforming-purchase",
        "homeready",
        "home-possible",
        "va-purchase",
        "usda-purchase"
      ],
      "type": "string",
      "default": "best_fit",
      "description": "Target loan program benchmark or best_fit auto-selection."
    },
    "liquidAssetsUsd": {
      "type": "number",
      "minimum": 0,
      "description": "Total verifiable liquid savings/checking/reserve assets in USD."
    },
    "targetHomePrice": {
      "type": "number",
      "description": "Target home purchase price in USD.",
      "exclusiveMinimum": 0
    },
    "dpaAssistanceUsd": {
      "type": "number",
      "default": 0,
      "minimum": 0,
      "description": "Optional estimated Down Payment Assistance (DPA) in USD applied toward cash-to-close."
    },
    "employmentMonths": {
      "type": "integer",
      "default": 24,
      "maximum": 600,
      "minimum": 0,
      "description": "Months of continuous verifiable W-2 or documented self-employed income history."
    },
    "creditMiddleScore": {
      "type": "integer",
      "maximum": 850,
      "minimum": 300,
      "description": "Representative middle credit score (300 to 850)."
    },
    "usdaRuralEligible": {
      "type": "boolean",
      "default": false,
      "description": "Whether target property area is eligible under USDA Rural Development guidelines."
    },
    "grossMonthlyIncome": {
      "type": "number",
      "description": "Gross monthly qualifying income in USD.",
      "exclusiveMinimum": 0
    },
    "documentsReadyCount": {
      "type": "integer",
      "default": 3,
      "maximum": 4,
      "minimum": 0,
      "description": "Number of core underwriting document packets ready (0 to 4: 2yr tax returns, 2yr W-2/1099, 30d pay stubs, 2mo bank statements)."
    },
    "monthlyNonHousingDebt": {
      "type": "number",
      "minimum": 0,
      "description": "Recurring monthly non-housing debt obligations in USD."
    },
    "plannedDownPaymentPct": {
      "type": "number",
      "default": 3.5,
      "maximum": 80,
      "minimum": 0,
      "description": "Planned down payment percentage of purchase price (for example 3.5 for FHA or 5 for Conventional)."
    },
    "proposedHousingPayment": {
      "type": "number",
      "minimum": 0,
      "description": "Optional proposed monthly PITI housing payment in USD (auto-calculated from targetHomePrice if omitted)."
    },
    "hardInquiriesLast90Days": {
      "type": "integer",
      "default": 0,
      "maximum": 20,
      "minimum": 0,
      "description": "Non-mortgage hard credit inquiries in the last 90 days."
    },
    "revolvingUtilizationPct": {
      "type": "number",
      "default": 25,
      "maximum": 150,
      "minimum": 0,
      "description": "Aggregate revolving credit card utilization percentage (0 to 150)."
    },
    "latePaymentsLast12Months": {
      "type": "integer",
      "default": 0,
      "maximum": 24,
      "minimum": 0,
      "description": "Count of 30+ day late credit report payments in the past 12 months."
    },
    "monthsSinceMajorDerogatory": {
      "anyOf": [
        {
          "type": "integer",
          "maximum": 240,
          "minimum": 0
        },
        {
          "type": "null"
        }
      ],
      "default": null,
      "description": "Months elapsed since bankruptcy discharge, foreclosure, or short sale (null if none)."
    }
  },
  "description": "Inputs for UQUAL 4-Pillar Loan Readiness Score 2.0 (0-100) across Credit Middle Score, DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning."
}
evaluate_loan_readiness_score annotations
{
  "title": "Evaluate 4-Pillar Loan Readiness Score 2.0",
  "readOnlyHint": true,
  "openWorldHint": false,
  "idempotentHint": true,
  "destructiveHint": false
}
request_uqual_loan_readiness_review — Request UQUAL 1-on-1 Loan Readiness Coach Review (Opt-In)
Advertised by the server during the last successful anonymous check.
Open-world

Opt-in lead handoff tool invoked ONLY when the user explicitly consents to share contact details for a personalized UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads.

request_uqual_loan_readiness_review input schema
{
  "type": "object",
  "required": [
    "explicitUserConsent"
  ],
  "properties": {
    "name": {
      "type": "string",
      "maxLength": 120,
      "minLength": 2,
      "description": "Borrower full name (required when explicitUserConsent is true; omit when false)."
    },
    "email": {
      "type": "string",
      "format": "email",
      "pattern": "^(?:[A-Za-z0-9_'+\\-]+\\.)*[A-Za-z0-9_'+\\-]*[A-Za-z0-9_+-]@(?:[A-Za-z0-9][A-Za-z0-9\\-]*\\.)+[A-Za-z]{2,}$",
      "maxLength": 254,
      "description": "Borrower email address (required when explicitUserConsent is true; omit when false)."
    },
    "phone": {
      "type": "string",
      "pattern": "^(?:\\D*\\d){10,}\\D*$",
      "maxLength": 40,
      "minLength": 10,
      "description": "Borrower 10+ digit phone number for coach follow-up (required when explicitUserConsent is true; omit when false)."
    },
    "state": {
      "type": "string",
      "maxLength": 40,
      "description": "Optional US state where the borrower plans to purchase."
    },
    "dryRun": {
      "type": "boolean",
      "default": false,
      "description": "Set true for local testing or schema dry-runs so no live external request is sent to uqual.com/api/seo-leads."
    },
    "goalSummary": {
      "type": "string",
      "maxLength": 500,
      "description": "Optional short summary of purchase timeline, target home price, or primary readiness blocker."
    },
    "pillarScores": {
      "type": "object",
      "description": "Optional map of normalized 0-100 pillar scores.",
      "propertyNames": {
        "type": "string"
      },
      "additionalProperties": {
        "type": "number",
        "maximum": 100,
        "minimum": 0
      }
    },
    "readinessTier": {
      "type": "string",
      "maxLength": 120,
      "description": "Optional readiness tier label from a prior calculation."
    },
    "readinessScore": {
      "type": "number",
      "maximum": 100,
      "minimum": 0,
      "description": "Optional 0-100 readiness score from a prior calculation in this conversation."
    },
    "primaryBottleneck": {
      "type": "string",
      "maxLength": 120,
      "description": "Optional primary bottleneck summary."
    },
    "explicitUserConsent": {
      "type": "boolean",
      "description": "MUST be true ONLY after the user explicitly asks or consents to share their contact information with a UQUAL Loan Readiness Coach."
    }
  },
  "description": "Opt-in lead handoff tool to request a personalized 1-on-1 UQUAL Loan Readiness Coach review via uqual.com/api/seo-leads."
}
request_uqual_loan_readiness_review annotations
{
  "title": "Request UQUAL 1-on-1 Loan Readiness Coach Review (Opt-In)",
  "readOnlyHint": false,
  "openWorldHint": true,
  "idempotentHint": false,
  "destructiveHint": false
}

Prompts

3 advertised

mortgage-readiness-checkup — Mortgage Readiness Checkup (4-Pillar Plan)

Advertised by the server during the last successful anonymous check.

Runs the UQUAL Loan Readiness Score 2.0, purchasing power, and optional state down payment assistance check, then synthesizes a 4-pillar readiness plan with Powered by UQUAL citations and deep links.

creditScore
Representative middle credit score (300 to 850). (required)
grossMonthlyIncome
Gross pre-tax monthly household income in USD. (required)
monthlyDebt
Recurring monthly non-housing debt payments in USD. (required)
targetHomePrice
Target home purchase price in USD. (required)
liquidSavings
Verifiable liquid savings available for down payment, closing costs, and reserves in USD. (required)
state
Optional US state code or name for down payment assistance lookup (for example TX or NC).
dti-rescue-plan — DTI Rescue Plan (Avalanche vs Snowball vs DTI-First)

Advertised by the server during the last successful anonymous check.

Calculates current mortgage DTI, then simulates Avalanche, Snowball, and UQUAL DTI-First payoff strategies to find the fastest path under agency DTI limits.

grossMonthlyIncome
Gross pre-tax monthly household income in USD. (required)
proposedHousingPayment
Proposed monthly PITI plus MIP/PMI plus HOA housing payment in USD.
monthlyDebtSummary
Plain-language list of each debt with balance, APR, minimum payment, credit limit (cards), and remaining payments (installment loans). (required)
extraMonthlyBudget
Extra monthly dollars available above minimum payments.
lumpSumCash
One-time lump sum cash available for paydown in USD.
first-time-buyer-dpa-finder — First-Time Buyer Down Payment Assistance Finder

Advertised by the server during the last successful anonymous check.

Reads the UQUAL state DPA guide, checks state HFA down payment assistance eligibility, and compares FHA versus Conventional to surface cash-to-close savings and the credit score crossover point.

state
US state code or name where the buyer plans to purchase (for example TX, FL, CO, GA, or NC). (required)
homePrice
Target home purchase price in USD. (required)
creditScore
Representative middle credit score (300 to 850). (required)
grossMonthlyIncome
Gross pre-tax monthly household income in USD. (required)
buyerStatus
first_time, workforce_hero, or repeat_buyer.

Resources

3 advertised

UQUAL 4-Pillar Mortgage Readiness Overview — UQUAL 4-Pillar Mortgage Readiness Overview

Advertised by the server during the last successful anonymous check.

Comprehensive guide to Credit Middle Score, Front-End/Back-End DTI, Down Payment/Reserves, and Credit Hygiene/Seasoning benchmarks.

UQUAL 4-Pillar Mortgage Readiness Overview URI
uqual://guides/mortgage-readiness-overview

MIME type: text/markdown

State HFA Down Payment Assistance Guide (TX, FL, CO, GA, NC) — State HFA Down Payment Assistance Guide (TX, FL, CO, GA, NC)

Advertised by the server during the last successful anonymous check.

Authoritative state Housing Finance Agency rules, FICO overlays, DTI caps, and second-lien structures for TX, FL, CO, GA, NC, and national programs.

State HFA Down Payment Assistance Guide (TX, FL, CO, GA, NC) URI
uqual://guides/state-dpa-programs

MIME type: text/markdown

FHA vs Conventional Underwriting & Crossover Guide — FHA vs Conventional Underwriting & Crossover Guide

Advertised by the server during the last successful anonymous check.

Side-by-side underwriting reference comparing HUD 4000.1 FHA loans with Fannie Mae DU and Freddie Mac LPA Conventional loans.

FHA vs Conventional Underwriting & Crossover Guide URI
uqual://guides/fha-vs-conventional

MIME type: text/markdown

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (1 of 1 answered).

  1. 2026-11-07: 1 of 1 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks
1 of 1 (100%)
Average latency
1040 ms
95th percentile latency
1040 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

  • · probe · passed · 1040 ms · metadata changed · 7 tool(s), 3 resource(s), 0 resource template(s), 3 prompt(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.
Claude Code configuration
claude mcp add --transport http uqual-loan-readiness-mcp https://uqual.com/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).
Codex configuration
codex mcp add uqual-loan-readiness-mcp --url https://uqual.com/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable uqual-loan-readiness-mcp in your MCP settings.
Cursor configuration
{
  "mcpServers": {
    "uqual-loan-readiness-mcp": {
      "url": "https://uqual.com/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).
Cline configuration
{
  "mcpServers": {
    "uqual-loan-readiness-mcp": {
      "type": "streamableHttp",
      "url": "https://uqual.com/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start uqual-loan-readiness-mcp and inspect its tools.
VS Code configuration
{
  "servers": {
    "uqual-loan-readiness-mcp": {
      "type": "http",
      "url": "https://uqual.com/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.
Gemini CLI configuration
gemini mcp add --transport http uqual-loan-readiness-mcp https://uqual.com/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.
Claude Desktop configuration
https://uqual.com/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.
Windsurf configuration
{
  "mcpServers": {
    "uqual-loan-readiness-mcp": {
      "serverUrl": "https://uqual.com/mcp"
    }
  }
}

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